Property ID: 7212386591
807 6th Ave W, Birmingham, AL, 35204
Birmingham, AL
Money Down: $27,600
CoC Return: 0.52%
Monthly Cash Flow: $12
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$23,000
Closing Costs
$4,600
Total Down
$27,600
Investment Snapshot
Purchase Price
$115,000
Money Down
$27,600
Cash-on-Cash Return
0.52%
Rent
$893
Monthly Cash Flow
$12
Annual Cash Flow
$145
Debt Service / Mo
$612
Property Tax / Mo
$87
Insurance / Mo
$92
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$893
Payment Standard
$1,408
Rent
$893
Insurance
$92
Property Tax
$87
Management
$89
Utilities Allowance
$515
NOI (Monthly)
$624
Debt Service
$612
Cash Flow After Debt
$12
Quality Score: 64.00%
Confidence: 81.00%
This 1930 bungalow shows solid bones and generally good interior cosmetic condition (clean hardwood floors, intact trim) but has several inspection risks that should be addressed before a Housing Choice Voucher initial inspection. The highest priority items are installing/confirming working smoke detectors (and CO alarms if required), repairing/securement of porch steps and railings, addressing peeling paint (lead-paint risk for pre-1978 construction), and verifying operation of HVAC, water heater and electrical systems. Roof appears aged and may require attention within a few years. With targeted, relatively low-to-moderate cost repairs and verification of systems, the home could be brought into passing condition within roughly 30–60 days; currently it is a moderate pass-risk for an initial NSPIRE inspection.
Section 8 Payment Standard
$1,408
Utility Allowance Total
$515
Guaranteed Section 8 Rent (PS - Utilities)
$893
Property Management
$89
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$115,000
Beds
3
Baths
2
Living Area
1,532 sqft
Lot Size
9,583 sqft
Year Built
1930
Days on Market
14
Capital Outlay
$27,600
Debt Service
$612
Property Tax / Mo
$87
Insurance / Mo
$92
Property Description
This as-is property features a welcoming layout and a warm, homey feel that makes it easy to envision your personal touches. Perfect for buyers who appreciate charm and simplicity, or investors looking for a manageable opportunity, all in a convenient location close to everyday essentials. Don't miss the chance to own a sweet home with big potential-schedule your showing today.
Utility Allowances
Heating
$93
Property has forced air heating. As other major appliances are electric (stove, water heater), electric heat is assumed. 'Elec Heat: Ala Power' was selected as a major regional provider, giving an allowance of $93 for a 3BR unit.
Cooking
$21
Property information explicitly lists 'Stove-Electric'. 'Elec: Ala Power' was chosen as the provider, resulting in an allowance of $21 for a 3BR unit.
Water Heating
$56
Property information explicitly lists an 'Electric Water Heater'. 'Elec: Ala Power' was chosen as the provider, resulting in an allowance of $56 for a 3BR unit.
Air Conditioning
$22
Property has 'Window Unit(s)' for cooling, which are electric. 'A/C: Alabama Power' was chosen as the provider, resulting in an allowance of $22 for a 3BR unit.
Other Electric
$68
This covers general lighting and miscellaneous tenant appliances. 'Lights, Ref, Etc.: Ala Power' was selected as the most likely provider, resulting in an allowance of $68 for a 3BR unit.
Water
$78
Property uses 'Public Water'. The 'Water: Birmingham' schedule option was selected as the property is in Birmingham, resulting in an allowance of $78 for a 3BR unit.
Sewer
$151
Property is listed as 'Sewer Connected'. The schedule provides a single fixed rate, resulting in an allowance of $151 for a 3BR unit.
Trash Collection
$20
Trash collection is a standard tenant utility. As the specific Birmingham provider isn't listed, the 'Jefferson City' rate was used as a reasonable default for a property in Jefferson County, resulting in an allowance of $20.
Range/Microwave (tenant-owned)
$6
A microwave is not listed as a provided appliance, so the allowance for a tenant-owned unit is included at the fixed rate of $6.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2026
Utility Allowance Source
Effective Date:
Jan 01, 2026
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$940
DP3 Annual Estimate$1,279
DP1 Monthly Equivalent$78
DP3 Monthly Equivalent$107
Replacement Value$129,800
Basis1,532 sqft / 1930
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1006 W Graymont Ave
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920 4th Ct W
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732 8th Ct W
sold · 0.23 mi
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3 bd / 2 ba · 1,696 sqft
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Photo unavailable
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sold · 0.24 mi
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Photo unavailable
716 8th Ct W
off_market · 0.25 mi
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Risk and Criteria Detail
Red Flags
- success
- Peeling/chipping exterior paint on porch and trim — potential lead-based paint hazard (built 1930).
- No visible smoke detectors/CO alarms in interior photos — fails NSPIRE detector requirements until installed/verified.
- Porch steps and stair treads show deterioration and peeling paint; railing anchorage/handrail may need repair (unsafe stairs/handrail risk).
- Roof appears aged (dark staining/older shingles) and should be evaluated for remaining service life — potential near-term expense.
Assumptions
- No smoke detectors or carbon monoxide alarms were visible in supplied photos; assume none are verified installed.
- HVAC, water heater, electrical panel and kitchen/bathroom fixtures are not shown; assume unknown operational status and moderate risk until inspected.
- Property likely has lead-based paint risk due to year built (1930) and visible peeling paint on porch/trim; assume presence of intact old paint elsewhere.
- No obvious structural sagging, major foundation movement, collapsed ceilings, or standing water were visible in provided images; assume none present.
- Appliances (stove/fridge) are not visible in photos; assume they may be missing or older but missing appliances alone are not treated as catastrophic for scoring.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,015 | $148,100 | $14,820 |
| 2023 | $1,041 | $153,500 | $15,360 |
| 2022 | $324 | $54,600 | $5,460 |
| 2021 | $791 | $54,600 | $10,920 |
| 2020 | $791 | $54,600 | $10,920 |
| 2019 | $791 | $54,600 | $10,920 |
| 2018 | $1,006 | $69,400 | $13,880 |
| 2017 | $1,161 | $80,100 | $16,020 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2018-06-26 | Sold | $53,000 |
| 2017-10-30 | Sold | $16,000 |
| 2017-03-14 | Sold | $16,000 |
| 2016-11-29 | Sold | $10,500 |
| 2016-03-08 | Sold | $13,459 |
Photo Gallery
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"note": "Property information explicitly lists 'Stove-Electric'. 'Elec: Ala Power' was chosen as the provider, resulting in an allowance of $21 for a 3BR unit.",
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{
"note": "Property has 'Window Unit(s)' for cooling, which are electric. 'A/C: Alabama Power' was chosen as the provider, resulting in an allowance of $22 for a 3BR unit.",
"utility": "Air Conditioning",
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{
"note": "This covers general lighting and miscellaneous tenant appliances. 'Lights, Ref, Etc.: Ala Power' was selected as the most likely provider, resulting in an allowance of $68 for a 3BR unit.",
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{
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{
"note": "Property is listed as 'Sewer Connected'. The schedule provides a single fixed rate, resulting in an allowance of $151 for a 3BR unit.",
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{
"note": "Trash collection is a standard tenant utility. As the specific Birmingham provider isn't listed, the 'Jefferson City' rate was used as a reasonable default for a property in Jefferson County, resulting in an allowance of $20.",
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"summary": "This 1930 bungalow shows solid bones and generally good interior cosmetic condition (clean hardwood floors, intact trim) but has several inspection risks that should be addressed before a Housing Choice Voucher initial inspection. The highest priority items are installing/confirming working smoke detectors (and CO alarms if required), repairing/securement of porch steps and railings, addressing peeling paint (lead-paint risk for pre-1978 construction), and verifying operation of HVAC, water heater and electrical systems. Roof appears aged and may require attention within a few years. With targeted, relatively low-to-moderate cost repairs and verification of systems, the home could be brought into passing condition within roughly 30–60 days; currently it is a moderate pass-risk for an initial NSPIRE inspection.",
"criteria": [
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"key": "condition_repairs",
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},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 50.0,
"rationale": "No smoke detectors or CO alarms are visible in the interior photos (required by NSPIRE: detectors on each level and outside sleeping areas) — likely to fail an inspection until installed/verified. Porch steps show peeling paint and worn treads; railing is present but condition/anchorage is uncertain and may require reinforcement to meet guard/handrail standards. House built in 1930 with visible chipping paint on exterior raises potential lead-based paint risk (HUD/NSPIRE concern). Egress windows, GFCI protection in kitchen/bath, and condition of electrical panel are not visible — these are unknowns and represent inspection risk. No exposed wiring or active water intrusion was observed in provided photos."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, plumbing, electrical, roof)",
"score": 50.0,
"rationale": "Roof appears aged with dark staining and older shingles but no obvious sagging or large missing areas in photos; likely near mid-to-late life and may need closer inspection or partial replacement within a few years. No HVAC equipment or heating registers are visible in photographs (system presence and operational status not documented) — this is an important unknown. Water heater/plumbing and electrical panel are not shown; no visible active leaks or water stains inside living area. Given building age (1930) and lack of visible systems, treat major systems as moderate-risk until verified operational."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Front yard, walkways and driveway are functional though driveway shows surface cracking and wear. Siding appears intact and painted; gutters are present and appear attached. Front porch and steps need paint/repair and some porch trim work. No standing water or visible landscaping overgrowth or infestation is noted. Sideyard slope and a rear gate are visible; fencing condition not fully shown. Overall exterior/site shows moderate maintenance with localized repairs needed."
}
],
"red_flags": [
"Peeling/chipping exterior paint on porch and trim — potential lead-based paint hazard (built 1930).",
"No visible smoke detectors/CO alarms in interior photos — fails NSPIRE detector requirements until installed/verified.",
"Porch steps and stair treads show deterioration and peeling paint; railing anchorage/handrail may need repair (unsafe stairs/handrail risk).",
"Roof appears aged (dark staining/older shingles) and should be evaluated for remaining service life — potential near-term expense."
],
"confidence": 0.6,
"assumptions": [
"No smoke detectors or carbon monoxide alarms were visible in supplied photos; assume none are verified installed.",
"HVAC, water heater, electrical panel and kitchen/bathroom fixtures are not shown; assume unknown operational status and moderate risk until inspected.",
"Property likely has lead-based paint risk due to year built (1930) and visible peeling paint on porch/trim; assume presence of intact old paint elsewhere.",
"No obvious structural sagging, major foundation movement, collapsed ceilings, or standing water were visible in provided images; assume none present.",
"Appliances (stove/fridge) are not visible in photos; assume they may be missing or older but missing appliances alone are not treated as catastrophic for scoring."
],
"overall_score": 59.0,
"rubric_version": "nsPIRE_v1.0_2026-02-16"
},
{
"summary": "Overall the property appears to be a livable, older bungalow with primarily cosmetic and moderate deferred maintenance items. The house likely could pass an initial HCV/NSPIRE inspection after straightforward fixes (install/verify smoke & CO detectors, address porch step trip hazards, freshen peeling paint, confirm GFCI outlets) and a mechanical check. Unknowns that require verification prior to tenant move‑in include HVAC operation, water heater, electrical panel condition, and presence/function of required detectors. No immediate catastrophic structural failures are visible, but the roof looks aged and should be inspected and possibly serviced or replaced within a few years.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 70.0,
"rationale": "Interior photos show intact, well-kept hardwood floors and finished living spaces. Exterior photos show a solid-looking bungalow with cosmetic wear: peeling paint on porch steps, worn porch paint, some rust/age on metal porch railings, and general as‑is seller language. No obvious collapsed ceilings, exposed subfloor, or severe interior damage visible. Kitchen/appliances not shown; missing appliances would be a moderate deduction but are not visible. Overall mostly cosmetic and minor-repair needs expected."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 65.0,
"rationale": "No obvious life‑threatening hazards in photos (no collapsed ceilings, standing water, or exposed high‑voltage wiring visible). However: no smoke detectors or CO detectors are visible in the interior photo, porch steps show peeling paint and worn treads that present a trip hazard, and bedroom egress can’t be confirmed from photos. Older construction (1930) raises lead‑paint risk where peeling paint is present. Entry door appears secure but deadbolt presence is not visible. GFCI outlets, electrical panel condition, and plumbing/hot water could not be confirmed from images."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 55.0,
"rationale": "Major systems not shown. Roof appears aged (shingles discolored, likely near mid/late life) but no obvious sagging or active leaks visible from photos. No exterior HVAC condenser, furnace, water heater, or electrical panel are shown — heating/AC and water heater operation are unknown. Chimney(s) present indicating older flue heating source; absence of visible modern HVAC and unknown water‑heater/boiler condition reduce score. Recommend full mechanical inspection."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 70.0,
"rationale": "Lot and yard are maintained at a basic level; sidewalks and driveway are intact though showing age and some cracking. Siding/trim appear serviceable from photos with no large sections missing. Porch railings present. Driveway slopes and access to rear visible. No obvious insect infestation, large foundation displacement, or major exterior structural movement seen in photos. Curb/gutter edge has minor wear."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in interior photo (required for Section 8/NSPIRE).",
"Peeling paint on porch/trim on a 1930-built house — potential lead‑paint hazard requiring evaluation/abatement where applicable.",
"No visible central heating/AC equipment in photos (heating system presence/condition unconfirmed).",
"Porch steps/tread paint deterioration and worn step edges create a trip hazard; railings show age and may be loose or need repair."
],
"confidence": 0.65,
"assumptions": [
"Interior photos are representative of overall interior condition; other rooms (kitchen, bathrooms) are not shown and may need attention.",
"No smoke or CO alarms are installed since none are visible in the provided interior photo; they would be required before move‑in.",
"Major systems (HVAC, water heater, electrical panel) are present and functional but not visible in photos; a full inspection may reveal repairs or replacement needs.",
"Bedrooms have compliant egress windows typical of older bungalows, but specific window sizes/egress compliance are unconfirmed.",
"Appliances (stove, refrigerator) are not shown; if absent they would be moderate defects but not automatic inspection failures.",
"Peeling paint on porch and trim may be lead‑based risk due to 1930 construction; assume lead‑paint precautions until proven otherwise."
],
"overall_score": 65.0,
"rubric_version": "ns_prep_v1.0"
},
{
"summary": "Overall this 1930 bungalow appears generally sound cosmetically and likely rent-ready after addressing a handful of safety and code items. Primary inspection risks are missing/uncertain smoke and CO detectors, deteriorated front steps/handrail condition, and unverified presence/function of HVAC, water heater, and electrical/GFCI protection. No visible structural sagging, collapsed ceilings, standing water, or major foundation movement in the photos. Expect minor-to-moderate repairs and system verifications (detectors, handrails/steps, GFCI checks, HVAC/water heater check) to bring the property into NSPIRE/Section 8 pass condition — likely passable within ~30 days if systems are operational and detectors/handrails are installed/repaired quickly.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior photos show well-maintained hardwood floors and tidy living spaces; cosmetic condition appears good. Exterior paint on porch steps and trim shows chipping and wear; front concrete steps have surface spalling/peeling paint and will need patching/paint. No obvious collapsed surfaces, large holes, or exposed subfloor visible. Listing is 'as-is' but missing-kitchen/appliance photos; absence of visible stove/fridge is a moderate issue but not catastrophic. Overall mostly cosmetic and minor repair items expected."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 60.0,
"rationale": "Photos do not show smoke or carbon monoxide detectors; absence would cause a fail. Front steps show deterioration and a partial/low porch railing — potential unsafe stairs/handrail issue. Windows look original (potential lead-based paint risk due to 1930 build) and egress for bedrooms cannot be confirmed from photos. No visible exposed wiring or active water intrusion seen. GFCI presence in kitchen/baths cannot be confirmed. These are inspection risks that would likely require remediation before pass."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 65.0,
"rationale": "Major systems (roof, HVAC, electrical, plumbing, water heater) are not visible in detail. Roof appears aged with staining but no obvious sagging or collapsed areas; chimneys appear intact. No HVAC equipment or water heater visible in photos; electrical panel not shown. Given age (1930) and visible roof wear, systems should be assumed to be older and require verification; likely operational but will need service/inspection."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Yard is maintained and graded reasonably away from house; sidewalks and driveway show surface cracking but nothing catastrophic. Siding and trim generally intact; gutters and downspouts visible. Porches and railings exist though paint/finish is deteriorated. No visible standing water, active erosion, or major foundation displacement in provided photos."
}
],
"red_flags": [
"Unsafe stairs/handrail condition on front porch steps (deterioration/partial railing) — potential inspection fail for unsafe stairs",
"No visible smoke and carbon monoxide detectors in interior photos — absence will fail NSPIRE/Section 8 if not installed",
"No visible HVAC/water heater/electrical panel in photos — systems unverified and must be confirmed operational prior to inspection"
],
"confidence": 0.6,
"assumptions": [
"No smoke or carbon monoxide detectors were visible in the supplied interior photos; assume they may be absent or not in correct locations unless owner confirms otherwise.",
"Kitchen, stove, refrigerator, water heater and HVAC equipment are not pictured — assume appliances and systems are present but require verification; missing appliances would be treated as moderate defects, not automatic fails.",
"Electrical panel and GFCI outlets not visible; assume typical older-house wiring that may need GFCI upgrades in kitchen/bath areas.",
"Roof is aged (staining/discoloration) but not actively sagging or leaking based on exterior images; assume no active interior water stains unless disclosed.",
"Windows are likely original single-pane; assume possible lead-risk paint due to 1930 construction unless lead testing/rehab documentation provided.",
"Foundation and structural framing show no obvious movement in photos; assume structurally sound absent further inspection."
],
"overall_score": 68.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "807 6th Ave W, Birmingham, AL, 35204",
"aggregate": {
"summary": "This 1930 bungalow shows solid bones and generally good interior cosmetic condition (clean hardwood floors, intact trim) but has several inspection risks that should be addressed before a Housing Choice Voucher initial inspection. The highest priority items are installing/confirming working smoke detectors (and CO alarms if required), repairing/securement of porch steps and railings, addressing peeling paint (lead-paint risk for pre-1978 construction), and verifying operation of HVAC, water heater and electrical systems. Roof appears aged and may require attention within a few years. With targeted, relatively low-to-moderate cost repairs and verification of systems, the home could be brought into passing condition within roughly 30–60 days; currently it is a moderate pass-risk for an initial NSPIRE inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 71.7,
"rationale": "Interior photos show well-maintained hardwood floors and intact trim; cosmetic condition appears generally good. Exterior paint on porch steps and trim is peeling and porch step faces show deterioration that will require scraping/patching and repainting (possible wood replacement). Porches and minor exterior trim work plus likely replacement of a few fixtures/porch boards and touch-up paint are needed. Kitchen/bath photos are not provided so missing appliances or outdated cabinetry are unknown; missing appliances would reduce score moderately but were not evidenced in photos. Overall repairs appear mostly cosmetic and small carpentry/painting work."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 68.3,
"rationale": "Front yard, walkways and driveway are functional though driveway shows surface cracking and wear. Siding appears intact and painted; gutters are present and appear attached. Front porch and steps need paint/repair and some porch trim work. No standing water or visible landscaping overgrowth or infestation is noted. Sideyard slope and a rear gate are visible; fencing condition not fully shown. Overall exterior/site shows moderate maintenance with localized repairs needed."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 58.3,
"rationale": "No smoke detectors or CO alarms are visible in the interior photos (required by NSPIRE: detectors on each level and outside sleeping areas) — likely to fail an inspection until installed/verified. Porch steps show peeling paint and worn treads; railing is present but condition/anchorage is uncertain and may require reinforcement to meet guard/handrail standards. House built in 1930 with visible chipping paint on exterior raises potential lead-based paint risk (HUD/NSPIRE concern). Egress windows, GFCI protection in kitchen/bath, and condition of electrical panel are not visible — these are unknowns and represent inspection risk. No exposed wiring or active water intrusion was observed in provided photos."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, plumbing, electrical, roof)",
"score": 56.7,
"rationale": "Roof appears aged with dark staining and older shingles but no obvious sagging or large missing areas in photos; likely near mid-to-late life and may need closer inspection or partial replacement within a few years. No HVAC equipment or heating registers are visible in photographs (system presence and operational status not documented) — this is an important unknown. Water heater/plumbing and electrical panel are not shown; no visible active leaks or water stains inside living area. Given building age (1930) and lack of visible systems, treat major systems as moderate-risk until verified operational."
}
],
"red_flags": [
"Peeling/chipping exterior paint on porch and trim — potential lead-based paint hazard (built 1930).",
"No visible smoke detectors/CO alarms in interior photos — fails NSPIRE detector requirements until installed/verified.",
"Porch steps and stair treads show deterioration and peeling paint; railing anchorage/handrail may need repair (unsafe stairs/handrail risk).",
"Roof appears aged (dark staining/older shingles) and should be evaluated for remaining service life — potential near-term expense."
],
"confidence": 0.81,
"assumptions": [
"No smoke detectors or carbon monoxide alarms were visible in supplied photos; assume none are verified installed.",
"HVAC, water heater, electrical panel and kitchen/bathroom fixtures are not shown; assume unknown operational status and moderate risk until inspected.",
"Property likely has lead-based paint risk due to year built (1930) and visible peeling paint on porch/trim; assume presence of intact old paint elsewhere.",
"No obvious structural sagging, major foundation movement, collapsed ceilings, or standing water were visible in provided images; assume none present.",
"Appliances (stove/fridge) are not visible in photos; assume they may be missing or older but missing appliances alone are not treated as catastrophic for scoring."
],
"score_method": "mean_of_criteria",
"overall_score": 64.0,
"rubric_version": "nsPIRE_v1.0_2026-02-16",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7212386591"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.